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Lemonade - Started off well, ended badly
Originally I loved lemonade and used them for home and pet insurance.
Pawp - Has tons of potential
This was free with Walmart plus membership. It has so much potential but really lacks a lot. A telehealth platform for pets is a great idea whether it's free or there's a small fee. Pawp is free but in my state they cannot dispense prescriptions...so I ask "why bother??!" The point, in my opinion , is to save a vet visit fee and just have to pay for a script. A fine service if it were designed that way. So in order to get money they recommend and provide links of pet items you can use from Walmart...or their emergency insurance , which "no thank you, I'm not a circus performer, and jumping thru any hoops" for that offer ....I'm okay with pushing Walmart pet items if thats in conjunction with vet service that includes a prescription.
Lemonade - As with all insurance companies
As with all insurance companies, Lemonade is dropping my home in California even though my policy doesn’t expire till November. They stated they would cover all but fire and to use the fair plan from California. When I researched this, I asked them what my policy would now cost me without fire. They responded back that they won’t cover me at all, after stating they would. It’s just about the dollar to them. I would never use them again, even as I am planning on moving. I suggest you move on from them.
Lemonade - If you want to cancel your insurance…
If you want to cancel your insurance renewal it's impossible. Close your account down-impossible. They hook you in but good luck getting out. Shocking app and website - Trading standards needs to look at it because there is no standard here just dodgy tactics
Trupanion - Not worth the money
Half of my healthy 1 year old dog's body systems are not covered because she burped a few times as a puppy. Because occasional burping was noted in her medical record, ALL gastrointestinal and respiratory concerns will not covered for the entirety of her life. Insurance companies will nitpick for any opportunity possible to deny coverage; care of the pet and client is never a concern. As a veterinary professional, I am extremely disappointed in Trupanion.
Embrace Pet Insurance - You cannot cancel unless you call
You cannot cancel unless you call and they try to keep you on the phone as long as they can for no reason. Additionally, they will deny any claim that they can and then give you fake money, towards nothing, as a consolation prize. I definitely do not recommend this company and the fact they they claim to represent USAA is horrible.
Spot Pet Insurance - Spot's Gold Plan provides for coverage…
Spot's Gold Plan provides for coverage of several important annual vaccines. To be reimbursed, however, Spot requires 2 years of prior Vet care notes.
Healthy Paws Pet Insurance - Overprice
I started with them when my dog was 6 months old. At that time, I was paying about $50 per month. Now, he is 8 years old, and I pay $193/month.
MetLife Pet Insurance - Incorrect payments
I was told multiple times that I had exceeded my annual limit when in fact I had not. I wasted 2 hours of my time telling adjusters how to do their job. Luckily I work in the insurance industry. I was owed way more than what I received. It eventually did get fixed, after 2 hours of phone calls and 5 days later.
Odie Pet Insurance - I transferred from ManyPets
I transferred from ManyPets, who had fantastic customer service and always answered the phone and questions. NOONE ANSWERS the phone at Odie! There are NO explanations for their payments and they attempt to make it look like they have paid you the full amount of your claim (on their dashboard) but really the REAL amount paid is on the attached letter with NO EXPLANATIONS. There is NO customer service for any problems, questions or concerns. They are a terrible company and I wish I could leave but stuck with them because of the transfer. :(
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